Summary
Overview
Work History
Education
Skills
Timeline
Generic

Osmany Garcia

Miami,FL

Summary

Poised Mortgage Broker touting 22 years of expertise in helping borrowers find best loans to meet individual needs. Knowledgeable professional unafraid of working hard and dedicated to engaging clients. Smart individual known for driving business opportunities and mentoring fellow peers to help each achieve highest potential.

Overview

5
5
years of professional experience

Work History

Senior Mortgage Broker

Omega Home Mortgage LLC
03.2024 - Current
  • Achieved a strong track record of closing loans quickly and efficiently by collaborating with all parties involved, overcoming any obstacles that may arise throughout the process.
  • Stayed up-to-date on industry trends and regulations to provide informed advice to clients at all times.
  • Managed a diverse portfolio of clients, ensuring their unique needs were met with personalized attention.
  • Improved client retention by proactively addressing concerns, resolving issues promptly, and maintaining open lines of communication throughout the loan process.
  • Conducted thorough research on lender guidelines, market conditions, and borrower qualifications to secure optimal loan terms for each transaction.
  • Maintained detailed records of client interactions, transactions, and documentation for accurate reporting and compliance purposes.
  • Streamlined the loan application process for increased efficiency and faster approvals.
  • Mentored junior brokers, sharing industry knowledge and best practices for optimal growth and success.
  • Managed risk effectively by assessing borrowers'' creditworthiness based on established criteria while adhering to all legal and regulatory requirements.
  • Developed strong relationships with lenders to negotiate favorable terms and rates for clients.
  • Generated new business leads through strategic networking events and targeted marketing initiatives.
  • Collaborated effectively with internal teams such as underwriters, processors, and closers to ensure seamless transactions from start to finish.
  • Educated prospective homebuyers on available financing options, empowering them to make well-informed decisions in their best interest.
  • Navigated complex financial situations with professionalism, guiding clients towards suitable mortgage products that fit their specific needs.
  • Promoted a culture of continuous learning within the team by attending industry conferences, participating in ongoing education courses, and staying abreast of emerging trends in mortgage lending.
  • Enhanced client satisfaction by providing tailored mortgage solutions and exceptional customer service.
  • Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Monitored pipelines to track and log status of loans.

Real Estate Broker

Omega Realty Group
08.2019 - Current
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Conducted competitive market analysis to determine optimal pricing for properties.
  • Compared properties possessing similar features to determine competitive market prices.
  • Arranged for inspections and surveys of sold properties.

Mortgage Loan Officer

American Financial Network
01.2024 - 02.2024
  • Checked loan documents for accuracy prior to closing.
  • Reviewed loan files and updated to match current standards.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Worked with underwriters to fix application problems and resolve issues.
  • Explained different types of loans pertaining to client situations.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.

Mortgage Loan Officer

Obsidian Financial Services
12.2023 - 01.2024
  • Checked loan documents for accuracy prior to closing.
  • Reviewed loan files and updated to match current standards.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Participated in industry events and conferences to build relationships and gain market intelligence.
  • Worked with underwriters to fix application problems and resolve issues.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.

Branch Manager /Senior Mortgage Loan Originator

NEXA MORTGAGE LLC
06.2021 - 12.2023
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
  • Examined customer loan applications for loan approvals and denials.
  • Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Assessed employee performance and developed improvement plans.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
  • Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
  • Complied with regulatory guidelines and requirements.
  • Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.

VP of Lending

Guaranteed Rate
11.2020 - 06.2021
  • Checked loan documents for accuracy prior to closing.
  • Reviewed loan files and updated to match current standards.
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Monitored portfolio performance and provided clients with periodic updates on loan progress.
  • Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
  • Developed extensive network of referral partners to source new mortgage loan opportunities.
  • Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
  • Negotiated loan terms and conditions with clients to maximize profitability.
  • Developed and implemented marketing campaigns to generate new business opportunities.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Explained different types of loans pertaining to client situations.
  • Worked with underwriters to fix application problems and resolve issues.
  • Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.
  • Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
  • Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
  • Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
  • Mentored junior loan officers to improve team performance and meet organizational goals.
  • Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
  • Provided support during audits to ensure compliance with federal and state regulations, contributing to a strong company reputation.
  • Organized educational seminars for prospective homebuyers, increasing company visibility in the community.
  • Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
  • Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
  • Utilized CRM software proficiently for tracking leads, organizing client information, and planning follow-up communications.
  • Customized marketing materials aimed at attracting potential mortgage applicants within specific target markets.
  • Assisted customers with completing loan applications and other paperwork.
  • Developed and maintained relationships with customers, lenders and other third parties.

Education

Master of Science - Medical Doctor

Higher Institute of Medical Sciences
Cuba
07.2004

Real Estate Broker

Gold Coast School of Real Estate
Miami, FL
04.2003

Mortgage Broker

Gold Coast School of Real Estate
Miami, FL
04.2002

Skills

  • Goal-oriented mindset
  • Strong analytical skills
  • Networking capabilities
  • Detail-oriented approach
  • In-depth industry knowledge
  • Loan origination expertise
  • Lead Generation
  • Mortgage lending
  • Automated Underwriting System (AUS)
  • Loan Processing Coordination
  • Loan File Maintenance
  • Teamwork and Collaboration
  • Customer service-focused
  • Problem-solving abilities
  • Excellent Communication
  • Creditworthiness Determination
  • Organizational Skills
  • Adaptability and Flexibility
  • Self Motivation
  • Active Listening
  • Credit History Review
  • Team Collaboration
  • Microsoft Office

Timeline

Senior Mortgage Broker

Omega Home Mortgage LLC
03.2024 - Current

Mortgage Loan Officer

American Financial Network
01.2024 - 02.2024

Mortgage Loan Officer

Obsidian Financial Services
12.2023 - 01.2024

Branch Manager /Senior Mortgage Loan Originator

NEXA MORTGAGE LLC
06.2021 - 12.2023

VP of Lending

Guaranteed Rate
11.2020 - 06.2021

Real Estate Broker

Omega Realty Group
08.2019 - Current

Master of Science - Medical Doctor

Higher Institute of Medical Sciences

Real Estate Broker

Gold Coast School of Real Estate

Mortgage Broker

Gold Coast School of Real Estate

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Osmany Garcia